Nivelo
Nivelo is a New York City fintech that operates a payments risk and money-movement platform for the payroll industry, serving payment service providers (PSPs) and professional employer organizations (PEOs). Nivelo provides real-time payment risk intelligence and automated money movement across ACH, Wires, RTP, and FedNow rails, with capabilities including NSF (non-sufficient funds) prevention, ACH returns management, KYB and fraud monitoring, and treasury management. Its products include Exposure Scan (payment-risk identification), the Scorer Engine (a real-time ACH return-risk scoring API that predicts the likelihood of an ACH transaction failing before origination), and Instant Payroll (instant debits with auto-routing across payment rails to reduce failed payroll disbursements). Nivelo was founded in 2020 by Eli Polanco and Philippe Legault and raised a $2.5M seed round led by FirstMark, Barclays, and Anthemis.
Limited machine-readable signal and partial portal coverage — documentation a human can read, but little a machine or agent can consume without scraping.
API Evangelist profiles Nivelo the way a machine reads it — 5 machine-readable artifacts across 1 API, pulled from the provider's own public surface and indexed so a developer, an analyst, or an AI agent can evaluate it against every other provider on the network.
Every provider in the network is reduced to the same set of machine-readable artifacts — OpenAPI contracts, event specifications, GraphQL schemas, runnable collections, pricing and rate-limit signals, security posture, OAuth scopes, and the agent surfaces (MCP servers and skills) that let software drive the API on its own. We profile them because the interface is the part of a company you can actually inspect: it is a truer signal of what a provider does than any marketing page. From those artifacts we compute the Kin Score — Nivelo scores 32.0/100 (thin), with a separate agent-readiness read of 10/100 (human only). The full breakdown is below, followed by every artifact we hold — each card links through to its machine-readable definition on apis.io.
Kin Score
This is the API Evangelist rating — a single, repeatable read computed from the artifacts on this page. Green fill is points earned; the red track is points possible, so every bar shows earned-versus-possible at a glance.
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
How we profile Nivelo
Each block below is one kind of artifact we hold for Nivelo. For each we say what it is and why it earns a place in the profile, then list every one we've indexed — capped at two rows, scroll within the panel for the rest.
APIs 1
Each API is captured as its own OpenAPI definition — every operation, parameter, and response. This is the single most useful machine-readable description of what an API does, and it's what lets us score, lint, mock, and generate against it without asking the provider for anything.
Individual APIs this provider publishes, each with its own machine-readable definition.
Nivelo Scorer API
Nivelo's real-time ACH return-risk scoring API. A RESTful endpoint that accepts ACH transaction data as JSON and returns a risk score and a prediction of the likelihood of an AC...
Security Posture 4
Authentication, domain security, vulnerability disclosure, and trust-center signals — the evidence that a provider takes security seriously enough to document it. We profile it because you can't govern what you can't see.
Authentication, domain security, vulnerability disclosure, and trust-center signals.
Resources
Every other property we hold for Nivelo — documentation, portals, status pages, policies, and corporate surface — grouped by the job it does, following the integrator's arc from getting started to running in production.
Get Started 2
Portal, sign-up, and the first successful call
Design & Contract 1
Pagination, idempotency, versioning, errors, and events
Access & Security 6
Authentication, authorization, and security posture
Operate 2
Status, limits, changes, and where to get help
Commercial 2
Pricing, plans, and the legal terms of use
Company 4
The organization behind the API
Other 1
Properties that don't map to a standard resource type
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